Quit Like a Millionaire

by Kristy Shen & Bryce Leung

How two engineers retired in their early 30s — without a trust fund, inheritance, or lucky startup exit. A practical, math-first guide to FIRE (Financial Independence, Retire Early) that actually shows the numbers.

Key Takeaways

→Early retirement is a math problem, not a lifestyle fantasy
→The 4% rule: withdraw 4% of your portfolio annually to never run out
→Geographic arbitrage can dramatically accelerate your timeline
→Flexibility in spending protects against sequence-of-returns risk
→The point isn't to stop working — it's to stop having to work